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Hi all,
so I'm applying for a mortgage with my husband and sadly my scores are lower. My middle score is 613. I need a 620! Well going over my report I noticed that a paid charge off of $18,600 is reported twice from three years ago. Long story short I called chase and that apologized and said they assigned a new account number and forgot to delete old account. They said it would be expedited and removed in 2-5 days. So my question is, if that extra paid charge off falls off my report is there any hope in points increase for my mortgage scores?
Possibly, yes, depending on the rest of your file and if there are other negatives.